Multi-Year Guaranteed Annuities SPIA Quotes Available

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November 2, 2020



Fixed Annuities 800-537-2476

800-537-2476

Multi-Year Guaranteed Annuities

Guarantee Period

Carrier

A.M. Best

Product Name

Rate % Below $100k

2 Years

Equitable L&C

B+

Secure Savings

1.90 - 2 yrs

3 Years

American Equity

A-

GuaranteeShield 3

2.40 - 3 yrs

3 Years

Sagicor

A-

Milestone MYGA

1.30 - 3 yrs

3 Years

Oceanview

A-

Harbourview 3

2.15 - 3 yrs

3 Years

F&G Life

A-

E-App ONLY

2.10 - 3 yrs

3 Years

North American

A+

Guarantee Choice

1.40 - 3 yrs

3 Years

Standard

A

FGA 3

1.60 - 3 yrs

3 Years

Guggenheim Life

B++ Preserve MYG

1.60 - 3 yrs

3 Years

Oxford Life

A-

Multi-Select

1.60 - 3 yrs

3 Years

Great American

A

SecureGain 3

1.35 - 3 yrs

3 Years

Global Atlantic

A

SecureFore 3

1.50 - 3 yrs

3 Years

EquiTrust

B++ Certainty Select

1.20 - 3 yrs

3 Years

Securian Life

A+

SecureOption Choice

1.00 - 3 yrs

4 Years

Oxford Life

A-

Multi-Select

2.40 - 4 yrs

4 Years

Guaranty Income L

B++ Guaranty 4

2.00 - 4 yrs

4 Years

Guggenheim Life

B++ Preserve MYG

1.80 - 4 yrs

4 Years

American General

A

VisionMYG

1.45 - 4 yrs

5 Years

Sentinel Security

B++ Personal Choice Ann

3.00 - 5 yrs

5 Years

Equitable L&C

B

Secure Savings

2.85 - 5 yrs

5 Years

Sagicor

A-

Milestone MYGA

1.80 - 5 yrs

5 Years

F&G Life

A-

E-APP ONLY

2.75 - 5 yrs

5 Years

American Equity

A-

GuaranteeShield 5

2.65 - 5yrs

5 Years

Oceanview

A-

Harbourview 5

2.45 - 5 yrs

5 Years

Oxford Life

A-

Multi-Select

2.35 - 5 yrs

5 Years

Standard

A

FGA 5

2.20 - 5yrs

5 years

Reliance Standard

A+ Eleos-MVA

2.10 - 5 yrs

5 Years

American National

A

Palladium MYG

2.00 - 5 yrs

5 Years

Great American

A

SecureGain 5

1.90 (tiered rate)

5 Years

Guggenheim Life

B++ Preserve MYG

2.00 - 5 yrs

5 Years

Global Atlantic

A

SecurFore 5

2.00 - 5 yrs

5 Years

American General

A

VisionMYG

1.60 - 5 yrs

5 Years

North American

A+

Guarantee Choice

1.45 - 5 yrs

5 years

Symetra

A

Custom 5

1.10 - 5 yrs

5 Years

EquiTrust

B++ Certainty Select

1.70 - 5 yrs

5 Years

Lincoln Financial

A+

MYGuarantee Plus

1.00 - 5 yrs

5 Years

Securian Life

A+

SecureOption Choice

1.00 - 5 yrs

6 Years

Oxford Life

A-

Multi-Select

2.50 - 6 yrs

6 Years

American National

A

Palladium MYG

2.20 - 6 yrs

6 Years

Guggenheim Life

B++ Preserve MYG

2.20 - 6 yrs

6 Years

Guaranty Income L

B++ Guaranty 6

2.10 - 6 yrs

6 Years

American General

A

VisionMYG

1.60 - 6 yrs

6 Years

EquiTrust

B++ Certainty Select

1.85- 6 yrs

7 Years

Sentinel Security

B++ Personal Choice Ann

3.10 - 7yrs

7 Years

Sagicor

A-

Milestone MYGA

2.15 - 7 yrs

7 Years

F&G Life

A-

E-APP ONLY

2.90 - 7 yrs

7 Years

Oceanview

A-

Harbourview 7

2.50 - 7 yrs

7 Years

Oxford Life

A-

Multi-Select

2.50 - 7 yrs

7 Years

Guggenheim Life

B++ Preserve MYG

2.40 - 7 yrs

7 Years

Standard

A

FGA 7

2.20 - 7 yrs

7 Years

American National

A

Palladium MYG

2.20 - 7 yrs

7 Years

North American

A+

Guarantee Choice

1.80 - 7 yrs

7 Years

Great American

A

SecureGain 7

1.99 (tiered rate)

7 Years

Guggenheim Life

B++ ProOption MYG ROP

2.05 - avg

7 Years

American General

A

VisionMYG

1.60 - 7 yrs

7 Years

Symetra

A

Custom 7

1.65 - 1.15

7 Years

Securian Life

A+

SecureOption Choice

1.10 - 7 yrs

8 Years

Guggenheim Life

B++ Preserve MYG

2.50 - 8 yrs

8 Years

Oxford Life

A-

Multi-Select

2.50 - 8 yrs

8 Years

American National

A

Palladium MYG

2.20 - 8 yrs

8 Years

EquiTrust

B++ Certainty Select

2.00- 8 yrs

9 Years

Guggenheim Life

B++ Preserve MYG

2.60 - 9 yrs

9 Years

Oxford Life

A-

Multi-Select

2.45 - 9 yrs

9 Years

American Nat'l

A

Palladium MYG

2.30 - 9 yrs

9 Years

Securian Life

A+

SecureOption Choice

1.25 - 9 yrs

10 Years

Sentinel Security

B++ Personal Choice Ann

3.20 - 10 yrs

10 Years

Guggenheim Life

B++ Preserve MYG

2.75 - 10 yrs

10 Years

Oceanview

A-

Harbourview 10

2.55 - 10 yrs

10 Years

Oxford Life

A-

Multi-Select

2.45 - 10 yrs

10 Years

Guggenheim Life

B++ ProOption MYG ROP

2.40 - avg

10 Years

American National

A

Palladium MYG

2.30 - 10 yrs

10 Years

EquiTrust

B++ Certainty Select

2.20 - 10 yrs

10 Years

North American

A+

Guarantee Choice

1.55 - 10 yrs

10 Years

Standard

A

FGA 10

1.80 - 10 yrs

10 Years

American General

A

VisionMYG

1.60 - 10 yrs

*Different rates in FL,CA,MN - assumes no riders ^lower in CT,IN,MN,MO,OH,VA ~ 0.10% lower in CA >lower in DE

Rate $100k+ Initial-Beyond

1.90 - 2 yrs 2.40 - 3 yrs 2.30 - 3 yrs 2.15 - 3 yrs 2.10 - 3 yrs 1.85 - 3 yrs 1.70 - 3 yrs 1.60 - 3 yrs 1.60 - 3 yrs 1.60 - 3 yrs 1.50 - 3 yrs 1.20 - 3 yrs 1.00 - 3 yrs 2.40 - 4 yrs 2.00 - 4 yrs 1.80 - 4 yrs 1.75 - 4 yrs 3.00 - 5 yrs 2.85 - 5 yrs 2.80 - 5 yrs 2.75 - 5 yrs 2.65 - 5 yrs 2.45 - 5 yrs 2.35 - 5 yrs 2.30 - 5 yrs 2.10 - 5 yrs 2.10 - 5 yrs

2.05 (tiered rate)

2.00 - 5 yrs 2.00 - 5 yrs 1.90 - 5 yrs 1.75 - 5 yrs 1.70 - 5 yrs 1.70 - 5 yrs 1.05 - 5 yrs 1.00 - 5 yrs 2.50 - 6 yrs 2.30 - 6 yrs 2.20 - 6 yrs 2.10 - 6 yrs 1.90 - 6 yrs 1.85 - 6 yrs 3.10 - 7yrs 2.90 - 7 yrs 2.90 - 7 yrs 2.50 - 7 yrs 2.50 - 7 yrs 2.40 - 7 yrs 2.30 - 7 yrs 2.30 - 7 yrs 2.20 - 7 yrs

2.14 (tiered rate)

2.05 - avg 1.90 - 7 yrs 2.25 - 1.75 1.25 - 7 yrs 2.50 - 8 yrs 2.50 - 8 yrs 2.30 - 8 yrs 2.00 - 8 yrs 2.60 - 9 yrs 2.45 - 9 yrs 2.40 - 9 yrs 1.40 - 9 yrs 3.20 - 10 yrs 2.75 - 10 yrs 2.55 - 10 yrs 2.45 - 10 yrs 2.40 - avg 2.40 - 10 yrs 2.20 - 10 yrs 1.95 - 10 yrs 1.90 - 10 yrs 1.90 - 10 yrs

Avg Yield

$100k+

1.90% 2.40% 2.30% 2.15% 2.10% 1.85% 1.70% 1.60% 1.60% 1.60% 1.50% 1.20% 1.00% 2.40% 2.00% 1.80% 1.75% 3.00%* 2.85% 2.80% 2.75% 2.65% 2.45% 2.35% 2.30% 2.10% 2.10% 2.05%^ 2.00% 2.00% 1.90% 1.75% 1.70% 1.70% 1.05% 1.00%* 2.50% 2.30% 2.20% 2.10% 1.90% 1.85% 3.10%* 2.90% 2.90% 2.50% 2.50% 2.40% 2.30% 2.30% 2.20% 2.14%^ 2.05% 1.90% 1.82% 1.25%~ 2.50% 2.50% 2.30% 2.00% 2.60% 2.45% 2.40% 1.40% 3.20%* 2.75% 2.55% 2.45% 2.40% 2.40% 2.20% 1.95% 1.90% 1.90%

SPIA Quotes Available

Avg Yield

1.00% (0-75) 2.00% (0-80) 1.80% (0-80) 2.00% (0-80) 1.50% (0-80) 1.27% (0-75) 1.60% (0-79) 1.75% (0-80)> 1.50% (0-75) 2.25% (0-80) 2.00% (0-75) 2.00% (0-80) 2.00% (0-79) 2.25% (18-80) 3.00% (0-80) 2.50% (0-75) 2.00% (0-80) 2.50% (0-75) 2.50% (0-79) 2.50% (0-75) 2.50% (0-80)> 2.50% (0-80) 1.50% (0-75) 2.00% (0-80) 2.00% (0-75) 3.00% (0-80) 2.00% (0-75) 2.25% (0-80) 1.25% (0-75) 2.50% (0-79) 2.50% (0-80)> 2.00% (0-79) 2.00% (0-75) 3.00% (0-80) 2.25% (0-80) 2.25% (0-80) 2.25% (0-79) 3.00% (0-80) 2.50% (0-75) 2.50% (0-80)> 2.00% (0-80) 2.50% (0-79) 2.50% (0-80) 3.50% (0-75) 2.50% (0-80) 2.00% (0-75) 4.00% (0-75) 2.25% (0-80) 2.50% (0-80)> 1.45% (0-75) 2.50% (0-79) 3.00% (0-80) 2.50% (0-80)> 2.75% (0-75) 2.50% (0-79) 2.25% (0-80) 2.75% (0-80) 3.00% (0-80)> 3.00% (0-80) 3.00% (0-75) 3.00% (0-80) 2.50% (0-79) 3.00% (0-80) 3.00% (0-80) 3.00% (0-80) 2.00% (0-75)

Email: Info@ Fax: 818-655-0969

Check state approvals before soliciting

Agent Use Only Rates Subject to Change

November 2, 2020



Fixed-Indexed Annuities

800-537-2476 Custom Spreadsheets for Income Riders and SPIAS

Company A.M. Best

Allianz

(A+)

Product

Account Options

ABC Annuity

Fixed Account: 1.00% Ann P2P S&P Cap: 2.50% Ann P2P Nasdaq 100 Cap: 2.50% Ann P2P Russell 2000 Cap: 2.50% Ann P2P Bloombrg Index Cap: 2.50% Ann P2P BlackRock iBLD Claria Cap: 2.15% PIMCO Tactical Bal Index Annual Cap: 2.40% Bloomberg Dyn Bal II P2P: spread 4.10 PIMCO Tactical Bal Index Annual Spread: 4.10 Ann P2P BlackRock iBLD Claria spread: 3.85 Ann P2P Bloomberg USDB ER Par Rt (no cap): 50% Ann P2P BlkRock iBLD Claria ER Par Rt (no cap): 55% PIMCO Tact Bal Index ER Par Rate (no cap): 50% 2-Yr P2P BlackRock iBLD ER Par Rt (no cap): 75% 2-Yr Bloomberg USDB II ER Par Rt (no cap): 70% 2-YR PIMCO Tact Bal Index ER Par Rate (no cap): 70%

Surrender Schedule

Income Rider 15% Bonus

Free Withdrawals

Commission

10 Years

8.85,7.95,7.80,6.75,5.70, 4.65,3.60,2.55,1.50,0.45

>>>>>>>>>>>> Increasing Income Available Immediately

>>>>>>>>>>>>>>

(1) Accelerated PIV Accum value 50% PIV 250% during

deferral 100%/150% during

income phase (0.95% fee)

(2) Balanced PIV Accum value 100% PIV 150% during

both deferral & Income phase

(0.95% fee)

After 1 year, 10% of

premiums paid

annually

6.175% 0-75 4.275% 76-80

trail options

DB Option 5-yr payout of PIV not to exceed 2.5X

360

Fixed Account: 1.90% Annual P2P S&P Cap: 3.25% Annual P2P Nasdaq 100 Cap: 3.25% Annual P2P Russell 2000 Cap: 3.25% Ann P2P BlackRock iBLD Claria Cap: 4.00% PIMCO Tactical Bal Index Annual Cap: 4.15% Bloombrg Dyn Bal II P2P Cap: 4.35% PIMCO Tactical Bal Index Annual Spread: 2.35 Ann P2P BlackRock iBLD Claria spread: 1.95 Bloomberg Dyn Bal II spread: 2.35 BlackRock iBLD Claria ER Par rate (no cap): 75% Bloomberg USDB II ER Par rate (no cap): 70% PIMCO Tactical Balance ER Par rate (no cap): 70% 2-Yr P2P BlackRock iBLD ER Par Rt (no cap): 105% 2-Yr Bloomberg USDB II ER Par Rt (no cap): 100% 2-YR PIMCO Tact Bal Index ER Par Rate (no cap): 100%

10 Years 10,10,10,8.75,7.50,6.25,

5.00,3.75,2.50,1.25,0

25% interest bonus before rider trigger. Income base = acct

val. Increasing income option. Competitive income % increases while in deferral.

(130 bp cost)

After 1 year, 10% of

premiums paid

annually

6.175% 0-75 4.275% 76-80

trail options

222

Fixed Account: 1.00% Ann P2P S&P Cap: 1.75% Ann P2P Nasdaq 100 Cap: 1.75% Ann P2P Russell 2000 Cap: 1.75% Ann P2P Bloombrg Index Cap: 1.75% Ann P2P BlackRock iBLD Claria Cap: 1.40% PIMCO Tactical Bal Index Annual Cap: 1.65% Bloomberg Dyn Bal II P2P: spread 4.85 PIMCO Tactical Bal Index Annual Spread: 4.85 Ann P2P BlackRock iBLD Claria spread: 4.60 Ann P2P Bloomberg USDB ER Par Rt (no cap): 35% Ann P2P BlkRock iBLD Claria ER Par Rt (no cap): 40% PIMCO Tact Bal Index ER Par Rate (no cap): 35% 2-Yr P2P BlackRock iBLD ER Par Rt (no cap): 60% 2-Yr Bloomberg USDB II ER Par Rt (no cap): 55% 2-YR PIMCO Tact Bal Index ER Par Rate (no cap): 55%

10 Years 10,10,10,8.75,7.50,6.25,

5.00,3.75,2.50,1.25,0

15% bonus on

income base.

1.5 X growth on

income base during

accum phase. Increasing income 1.5

X index credit once triggered.

10-YEAR WAIT. Rider built in-no cost.

After 1 year, 10% of

premiums paid

annually

6.175% 0-75 4.275% 76-80

trail options

2 of 6 DOUBLER

Death Benefit feature

Email: Info@ Fax: 818-655-0969

Always check for state variations

Agent Use Only Rates Subject to Change

November 2, 2020



Fixed-Indexed Annuities

800-537-2476 Custom Spreadsheets for Income Riders and SPIAS

Company A.M. Best

Allianz

(A+)

American Equity

(A-)

Product

Account Options

Fixed Account: 2.30%

Ann P2P S&P Cap: 4.25%

Ann P2P Nasdaq 100 Cap: 4.25%

Core

Ann P2P Russell 2000 Cap: 4.25%

Income 7 Bloomberg Dyn Bal II Cap: 6.50%

1-year Bloomberg ER Par Rate (no cap): 90%

2-year Bloomberg ER Par Rate (no cap): 120%

Bloomberg Dyn Bal II spread: 1.75

Fixed Account: 1.75%

AssetShield S&P 500 Cap: 3.00%

5

S&P 500 Monthly Sum Cap: 1.90%

(Diff in CA) S&P 500 No-Cap Participation Rate: 21% 1-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 80%

Fixed Account: 1.90%

AssetShield S&P 500 Cap: 3.25%

7

S&P 500 Monthly Sum Cap: 2.00%

(Diff in CA) S&P 500 No-Cap Participation Rate: 23% 1-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 85%

Fixed Account: 1.85%

AssetShield S&P 500 Cap: 3.25%

9

S&P 500 Monthly Sum Cap: 1.90%

S&P 500 No-Cap Participation Rate: 23%

CA ONLY 1-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 85%

2-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 115%

Fixed Account: 2.00%

S&P 500 Cap: 3.50%

AssetShield S&P 500 Monthly Sum Cap: 2.10%

10

S&P 500 No-Cap Participation Rate: 25%

1-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 90%

2-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 125%

Fixed Account: 1.70%

Income- Shield 7

S&P 500 Cap: 2.75% S&P 500 No-Cap Participation Rate: 10% 1-yr S&P Div Arist. Daily Rsk Cntrl Cap: 4.50%

1-yr S&P Div Arist. Daily Rsk Cntrl Par Rate: 60%

Premium Bonus 7% (on acct value and BB)

Income- Shield 10

Fixed Account: 1.10% (1.00% w/ LIBR) S&P 500 Cap: 1.75% (1.75% w/ LIBR) S&P 500 Monthly Sum Cap: 1.50% (1.40% w/ LIBR)

(9yr version S&P 500 No-Cap Par Rate: 10% (10% w/ LIBR)

in CA)

1-yr S&P Div Arist. Dly Rsk Cntrl Cap: 2.50% (2.25%)

1-yr S&P Div Arist. Dly Rsk Cntrl Par Rt: 35% (30%)

2-yr S&P Div Arist. Dly Rsk Cntrl Par Rt: 55% (45%)

Fixed Account: 1.90%

BofA Destinations Index 1-yr P2P Par Rate: 82%

Destinations BofA Destinations Index 2-yr P2P Par Rate: 116%

10

S&P 500 NeXt Mnthly P2P w/ Replacmnt Rt: 1.10%*

*Highest 3-months = 1.10% (3.30%) +/- next 9 months

Different rates in CA (9-year term)

Surrender Schedule

Income Rider

Free Withdrawals

Commission

7 Years 8.5,8,7,6,5,4,3,0

Income base = acct value

Level or increasing income options.

(125 bp cost)

After 1 year, 10% of

premiums paid

annually

5.50% 0-75 4.00% 76-80 E-app promo

5 Years 9.20,9,8,7,6,0

7 Years 9.20,9,8,7,6,4,2,0

N/A

10% after 1 year

3.75% 18-75 2.81% 76-80 1.88% 81-85

N/A

10% after 1 year

4.50% 18-75 3.38% 76-80 2.25% 81-85

9 Years 8.30,8.25,7.25,6.25, 5.20,4.20,3.15,2.10,1

N/A

10% after 6.00% 18-75

1 year

4.50% 76-80

10 Years 9.20,9,8,7,6,5,4,3,2,1

N/A

10% after 6.00% 18-75

1 year

4.50% 76-80

7 Years 9.20,9,8,7,6,4,2,0

different in CA

6% comp for 10yr or

7.25% simple for 7 yrs (110 bps) well-being +10bp

10% after 1 year

5.00% 50-75 3.75% 76-80

Trail options available

10 Years 9.10,9,8,7,6,5,4,3,2,1,0

9-year version in CA

7% Bonus

6% comp for 10yr or

7.25% simple for 7 yrs (110 bps) well-being +10bp

10% after 1 year

6.00% 18-75 4.50% 76-80

Trail options available

10 Years 9.20,9,8,7, 6,5,4,3,2,1,0

6.00% 18-75

N/A

10% after 1 year

4.50% 76-80

Trail options

Email: Info@ Fax: 818-655-0969

Always check for state variations

Agent Use Only Rates Subject to Change

November 2, 2020



Fixed-Indexed Annuities

800-537-2476 Custom Spreadsheets for Income Riders and SPIAS

Company A.M. Best

Product

Account Options

Surrender Schedule

Income Rider

Free Withdrawals

Commission

American General (A)

Power 5 Protector

Fixed Account: 1.35% Ann P2P S&P Cap: 3.10% (4.15% over $100k) Ann P2P S&P Par Rate: 14% (18% over $100k) S&P 500 5-Year Par Rate: 17.5% (24% over $100k) Russell 2000 Annual Cap: 2.60% (3.10% over $100k) MSCI EAFE annual Cap: 2.70% (3.25% over $100k) ML Strategic Bal Par Rate: 57% (72% $100k+) PIMCO Global Optima Par Rate: 30% (38% $100k+)

5 Years 8%,7,6,5,4,0

MVA

3.25% 0-80

N/A

10% after 1 year

1.00% w/ 0.15% trail

ages 81-85

AQR Dyn Allocation: 72% par 1% sprd (82%-1% $100k)

2-yr AQR Dyn Allo: 80% par 0% sprd (90%-0% $100k)

Fixed Account: 1.40%

Ann P2P S&P Cap: 3.25% (4.20% over $100k)

Power 7 Protector

Ann P2P S&P Par Rate: 16% (19% over $100k) Russell 2000 Annual Cap: 2.80% (3.40% over $100k) MSCI EAFE annual Cap: 2.90% (3.50% over $100k)

7 Years 8%,7,6,5,4,3,2,0

MVA

N/A

10% after 1 year

4.50% 0-80 trail options

ML Strategic Bal Par Rate: 60% (74% $100k+)

PIMCO Global Optima Par Rate: 31% (40% $100k+)

Fixed Account: 1.25% Power 7 Ann P2P S&P Cap: 2.20% (2.60% above $100k) Protector Ann P2P S&P Par Rate: 14% (16% above $100k) Plus Income ML Strategic Bal Par Rate: 36% (45% $100k+)

PIMCO Global Optima Par Rate: 24% (30% $100k+)

7 Years 8%,7,6,5,4,3,2,0

MVA

5.75% simple for 10yrs

200% prem paid step up in 10 yrs

(1.00% fee)

10% after 1 year

4.50% 0-80 trail options

Fixed Account: 1.45%

Ann P2P S&P Cap: 3.30% (4.25% above $100k)

Power 10 Protector

Ann P2P S&P Par Rate: 17% (20% above $100k) Russell 2000 Annual Cap: 2.90% (3.50% over $100k) MSCI EAFE annual Cap: 3.00% (3.60% over $100k)

10 Years 10,9,8,7,6,5,4,3,2,1,0

MVA

N/A

10% after 1 year

7.00% 0-75 trail options

ML Strategic Bal Par Rate: 62% (75% $100k+)

PIMCO Global Optima Par Rate: 33% (42% $100k+)

Power 10 Protector

Plus Income

Fixed Account: 1.25% Ann P2P S&P Cap: 2.25% (2.80% above $100k) Ann P2P S&P Par Rate: 15% (17% above $100k) ML Strategic Bal Par Rate: 40% (52% $100k+) PIMCO Global Optima Par Rate: 25% (33% $100k+)

10 Years 10,9,8,7,6,5,4,3,2,1,0

MVA

5.75% simple for 10yrs

200% prem paid step up in 10 yrs

(1.00% fee)

10% after 1 year

7.00% 0-75 trail options

American National (A)

Strategy Index Annuity Plus

Account Options Premium Enhancement

Fixed Account Perform Trigger Rate 1-Year Monthly Sum

100% Par Rate Cap 50% Par Rate Cap Par Rate (no cap)

7-Year N/A 2.15% 3.85% 2.25% 4.85% 5.40% 17.00%

10-Yr 1.00% 2.25% 3.95% 2.35% 5.00% 5.50% 20.00%

7 Year 7%,6,5,4,3,2,1,0

9,9,8,7,6,5,4,3,2,1,0

(1) 7.20% compound roll-up for 10 yrs (1% cost) or

(2) 4.20% + index gain for 10 years (70 bp cost)

10% starting 1st year

7 Year 5.00% 0-75 4.00% 76-80

10 Year 7.00% 0-75 5.50% 76-80

Trail options

Equitrust

(B++)

Fixed Account: 2.25% (2.00% with income rider) S&P Annual P2P Cap: 4.00% (3.75% w/ rider) S&P Annual P2P Par Rate: 26% (24% w/ rider) S&P Monthly Avg Cap: 4.50% (4.25% w/ rider) Market S&P Monthly Avg Par Rate: 43% (38% w/ rider) Seven Index S&P Montly Sum Cap: 1.90% (1.65% w/ rider) S&P 2-yr Mntly Avg Cap: 9.00% (8.00% w/ rider) 1-yr Barclays Focus50 Par Rate: 75% (60% w/ rider)

7 Years 9, 8, 7, 6.5, 5.5,

4.5, 3.5,0

7.00% Bonus

7% compounded for 7 years (1.25% fee)

10% after first year

5.50% 0-75 4.12% 76-80 2.75% 81-85

Trail options

2-Yr Barclays Focus50 Par Rt: 110% (85% w/ rider)

1-Yr S&P MARC5 Par Rate: 85% (70% w/ rider)

Email: Info@ Fax: 818-655-0969

Always check for state variations

Agent Use Only Rates Subject to Change

November 2, 2020



Fixed-Indexed Annuities

800-537-2476 Custom Spreadsheets for Income Riders and SPIAS

Company A.M. Best

Equitrust

(B++)

F&G Life

(A-)

Global Atlantic

(A)

Product

Account Options

6% Premium Bonus First 5 Years of Deposits

Return of Premium Built-In

MarketTen Bonus

Fixed Account: 1.10% (1.00% with income rider) S&P Annual P2P Cap: 2.25% (2.00% w/ rider) S&P Monthly Avg Cap: 2.50% (2.25% w/ rider)

S&P Monthly Avg Par Rate: 23% (18% w/ rider)

1-yr Barclays Focus50 Par Rate: 35% (30% w/ rider)

2-Yr Barclays Focus50 Par Rt: 55% (50% w/ rider)

10% Bonuns on Income base (if selected)

Fixed Account: 2.50% (2.25% with income rider)

S&P Annual P2P Cap: 4.25% (4.00% w/ rider)

S&P Annual P2P Par Rate: 28% (25% w/ rider)

MarketValue S&P Monthly Avg Cap: 4.75% (4.50% w/ rider) Index S&P Monthly Avg Par Rate: 45% (35% w/ rider)

S&P Montly Sum Cap: 2.00% (1.80% w/ rider)

1-yr Barclays Focus50 Par Rate: 80% (70% w/ rider)

2-Yr Barclays Focus50 Par Rt: 115% (95% w/ rider)

1-Yr S&P MARC5 Par Rate: 95% (85% w/ rider)

Premium Bonus 5.00% (3.25% ages 76+)

Prem Bonus Lite States 3.00% (2.25% ages 76+)

Rates/Caps below in parenthesis 1.25% annual fee

Accelerator Fixed Account: 1.50% Plus 10 S&P 1-year annual P2P cap: 3.50% (6.25%)

S&P 1-year par rate (fee only) : (40%)

2-yr Barclays Trailblazer Par Rate: 120% (145%)

S&P Performance Trigger Rate: 3.25% (5.25%)

Rates/Caps below in parenthesis 1.25% annual fee

Fixed Account: 1.00% S&P Par Rate (fee only): 35%

S&P 1-year annual P2P cap: 3.75% (6.25%)

Accumulator Plus 10

S&P 1-year monthly avg cap: 3.50% (6.50%)

S&P 1-year monthly sum cap: 1.75% (2.60%)

2-yr Barclays Trailblazer Par Rate: 120% (160%)

S&P Performance Trigger Rate: 3.50% (5.25%)

Fixed Account: 1.25% (1.50% $100k+)

S&P 500 Cap: 2.25% (2.50% $100k+)

MSCI EAFE Cap: 2.25% (2.50% $100k+)

Income Russell 2000 Cap: 2.25% (2.50% $100k+)

150+ SE 1-Yr PIMCO Bal Index Par Rate: 55% (65% $100k+)

S&P Performance Trigger: 2.10% (2.35% $100k+)

2-Yr BlackRock Low Vol spread: 6.00 (4.00 $100k+)

2-Yr Franklin US Index spread: 6.00 (4.00 $100k+)

5-Year Version * 7-Year Version * 10-Year Version

All rates below for $100k Band

Fixed Account: 1.05% - 1.10% - 1.15%

S&P 500 Cap: 2.65% - 2.70% - 2.80%

Choice MSCI EAFE 1-year Cap: 2.65% - 2.70% - 2.80% Accum II Russell 2000 Ann P2P Cap: 2.65% - 2.70% - 2.80%

5, 7, 10 PIMCO Participation Rate: 50% - 55% - 60%

S&P 500 Performance Trigger: 1.65% -1.70% - 1.80%

S&P Monthly Sum Cap: 0.80% - 0.85% - 0.90%

2-Yr BlackRock Low Vol spread: 6.75 - 6.50 - 6.25

2-Yr Franklin US Index spread: 6.75 - 6.50 - 6.25

Surrender Schedule

Income Rider

Free Withdrawals

10 Years 10,10,10,10,8.5, 7,5.5,4,3,1.5,0

Non-Rolling

6% Bonus

6.50% compound for 10 yrs (1.00% fee)

10% after first year

10 Years 12,12,12,12,11,

10,8,6,4,2,0

Varies by State

10% Bonus Rollup of 4% +

index credit for 10 years LTC Doubler after 3 years

(95 bps)

10% after first year

10 Years 14,13,12,11,10,

8,6,4,2,1,0 Lite States 9,9,8,7,6,5,4,3,2,1,0

MVA Crisis waiver income

doubler option

7% Bonus 5% Lite States

5% rollup for 10 yr or acct value

performance factor (115 bp cost)

10% after first year

10 Years

12,11,10,9,8,7,6,5,4,3 Lite States

N/A

10% after first year

9,9,8,7,6,5,4,3,2,1

10 Years 10,9,8,7,6,5,4,3,2,1,0

MVA Different in some states

Income Base Bonus Day 1 = 20%

Years 2-5: 7.50% simple interest Day 1, year 10 % of int earned yrs 1- 9 x 150% added

(1.05% fee)

10% after first year

5 Years 9%,8,7,6,5,0

7 Years 9%,8,7,6,5,4,3,0

10 Years 9%,9,8,7,6,5,4,3,2,1,0

No Income Rider

Optional Enhanced Death Benefit 7% simple rollup for 15 years.

Max issue age 75 Lump sum to Beneficiary (0.50% fee)

10% starting 1st year

Commission

6.00% 0-80

7.00% 0-80

7.50% 0-75 5.50% 76-80 3.75% 81-85

6.50% 0-70 4.50% 71-80 3.25% 81-85

7.00% 55-75 5.00% 76-85

Trail Options

5-year 4.00% 0-80 2.00% 81-85

7-year 5.00% 0-80 2.75% 81-85

10-year 7.00% 0-80 4.00% 81-85

Email: Info@ Fax: 818-655-0969

Always check for state variations

Agent Use Only Rates Subject to Change

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